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Farmers Union Insurance has the cheapest minimum coverage car insurance policy in Utah. American Family, Auto-Owners and Nationwide also offer the cheapest rates in Utah for certain types of drivers.

MoneyGeek determined the best car insurance in Utah if you want a balance of affordability and quality service.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Utah (September 2023)

In Utah, the cheapest auto insurance companies for a minimum coverage policy are:

  • Farmers Union Insurance: $396 per year
  • Nationwide: $433 per year

In addition, State Farm offers the most expensive minimum liability insurance coverage in the state at $1,029 yearly.

Utah's minimum liability coverage requirements for car insurance include personal injury protection per person, bodily injury liability per person, bodily injury liability per accident and property damage liability per accident.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$377

$31

Farmers Union Insurance

$396

$33

Nationwide

$415

$35

Nationwide

$433

$36

Auto-Owners Insurance Co

$434

$36

Auto-Owners Insurance Co

$457

$38

Progressive

$483

$40

GEICO

$502

$42

Progressive

$510

$42

Iowa Farm Bureau

$545

$45

Nationwide

$550

$46

Progressive

$552

$46

Iowa Farm Bureau

$565

$47

GEICO

$580

$48

American Family

$585

$49

American Family

$588

$49

Iowa Farm Bureau

$589

$49

GEICO

$594

$49

Auto-Owners Insurance Co

$595

$50

Farmers Union Insurance

$627

$52

Farmers

$642

$54

Nationwide

$670

$56

Farmers

$695

$58

American Family

$717

$60

Nationwide

$725

$60

Auto-Owners Insurance Co

$774

$65

Allstate

$775

$65

Auto-Owners Insurance Co

$777

$65

Farmers

$800

$67

Farmers Union Insurance

$838

$70

Kemper

$840

$70

Allstate

$842

$70

Kemper

$843

$70

Farmers Union Insurance

$860

$72

American Family

$884

$74

American Family

$891

$74

Nationwide

$896

$75

Allstate

$928

$77

GEICO

$929

$77

Progressive

$954

$79

Kemper

$963

$80

State Farm

$965

$80

Progressive

$983

$82

Iowa Farm Bureau

$1,003

$84

GEICO

$1,019

$85

State Farm

$1,029

$86

Iowa Farm Bureau

$1,041

$87

Auto-Owners Insurance Co

$1,078

$90

Iowa Farm Bureau

$1,106

$92

GEICO

$1,110

$92

American Family

$1,114

$93

Farmers

$1,191

$99

Farmers

$1,195

$100

Progressive

$1,202

$100

Allstate

$1,210

$101

State Farm

$1,247

$104

Allstate

$1,338

$111

Farmers Union Insurance

$1,345

$112

Allstate

$1,405

$117

Farmers

$1,477

$123

Kemper

$1,708

$142

Kemper

$1,727

$144

State Farm

$1,863

$155

State Farm

$2,016

$168

Kemper

$2,021

$168

State Farm

$2,563

$214

A minimum coverage policy provides financial protection against the cost of damages or injuries you cause to others.

Such policies do not cover costs associated with damage to your own car, such as repairs or replacement. Consider buying a comprehensive insurance policy to protect yourself against these costs.

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Cheapest Full Coverage Car Insurance in Utah (September 2023)

The cheapest auto insurance companies in Utah offering full coverage policies are:

  • Nationwide: $725 per year
  • Auto-Owners: $774 per year

Our analysis found State Farm offers the most expensive full coverage insurance policy, costing an average of $2,016 per year.

The average cost for adding comprehensive and collision coverage to a policy in Utah varies based on the insurer and the coverage limits. For instance, a Nationwide full coverage policy is $292 more expensive than its minimum coverage premium.

A full coverage policy provides financial protection against both on-road and off-road damages like hitting a tree, being hit by a hit-and-run driver, flooding, hail, wind, fire, theft and other accident-related damages.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$377

$31

Farmers Union Insurance

$396

$33

Nationwide

$415

$35

Nationwide

$433

$36

Auto-Owners Insurance Co

$434

$36

Auto-Owners Insurance Co

$457

$38

Progressive

$483

$40

GEICO

$502

$42

Progressive

$510

$42

Iowa Farm Bureau

$545

$45

Nationwide

$550

$46

Progressive

$552

$46

Iowa Farm Bureau

$565

$47

GEICO

$580

$48

American Family

$585

$49

American Family

$588

$49

Iowa Farm Bureau

$589

$49

GEICO

$594

$49

Auto-Owners Insurance Co

$595

$50

Farmers Union Insurance

$627

$52

Farmers

$642

$54

Nationwide

$670

$56

Farmers

$695

$58

American Family

$717

$60

Nationwide

$725

$60

Auto-Owners Insurance Co

$774

$65

Allstate

$775

$65

Auto-Owners Insurance Co

$777

$65

Farmers

$800

$67

Farmers Union Insurance

$838

$70

Kemper

$840

$70

Allstate

$842

$70

Kemper

$843

$70

Farmers Union Insurance

$860

$72

American Family

$884

$74

American Family

$891

$74

Nationwide

$896

$75

Allstate

$928

$77

GEICO

$929

$77

Progressive

$954

$79

Kemper

$963

$80

State Farm

$965

$80

Progressive

$983

$82

Iowa Farm Bureau

$1,003

$84

GEICO

$1,019

$85

State Farm

$1,029

$86

Iowa Farm Bureau

$1,041

$87

Auto-Owners Insurance Co

$1,078

$90

Iowa Farm Bureau

$1,106

$92

GEICO

$1,110

$92

American Family

$1,114

$93

Farmers

$1,191

$99

Farmers

$1,195

$100

Progressive

$1,202

$100

Allstate

$1,210

$101

State Farm

$1,247

$104

Allstate

$1,338

$111

Farmers Union Insurance

$1,345

$112

Allstate

$1,405

$117

Farmers

$1,477

$123

Kemper

$1,708

$142

Kemper

$1,727

$144

State Farm

$1,863

$155

State Farm

$2,016

$168

Kemper

$2,021

$168

State Farm

$2,563

$214

The amount of car insurance you need will significantly affect your rate. MoneyGeek's sample full coverage policy includes liability protection of:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

To save money, you can opt for lower liability limits, drop comprehensive and collision insurance or raise your deductible, but you risk not having enough coverage if you get into an accident.

How to Compare Cheap Utah Car Insurance Quotes Online

Getting a car insurance quote online can often take up to 15 minutes. Furthermore, you'll need to compare quotes from multiple websites to ensure you get the best deal.

MoneyGeek's car insurance calculator simplifies this process, allowing you to get an estimate without providing specific personal information. Our calculator can help you find the cheapest car insurance quickly and easily, giving you a great starting point for finding the right coverage.

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Cheapest Car Insurance in Utah by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Utah. MoneyGeek found that Nationwide offers the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Nationwide
Cheapest for seniors: Nationwide

Cheapest Car Insurance in Utah for Teens and Their Families (September 2023)

MoneyGeek data shows that the cheapest car insurance companies in Utah for teens are:

  • Nationwide: $1,491 per year for male teens and $1,332 per year for female teens
  • Allstate: $2,299 per year for male teens and $2,184 per year for female teens

A 19-year-old teen driver pays a significantly lower car insurance rate than a 16-year-old teen because their premium diminishes as they age. In Utah, the provider with the most affordable rate for 19-year-old male drivers is Nationwide ($1,352 per year).

The most expensive company for teens and their families is Kemper ($11,910 for males and $10,326 for female teens). Adding a 16-year-old in Utah to their parent's policy is usually more cost-effective than purchasing a separate policy. For example, it can cost $3,707 per year to add a 16-year-old in Utah to an existing policy compared with approximately $7,489 to purchase a separate policy, a $3,782 difference.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Nationwide

$688

$1,040

Nationwide

$693

$976

Nationwide

$796

$1,121

Nationwide

$814

$1,532

Nationwide

$822

$1,243

Nationwide

$826

$1,727

Nationwide

$841

$1,185

Nationwide

$872

$1,318

Auto-Owners Insurance Co

$966

$1,063

Nationwide

$1,013

$1,426

GEICO

$1,020

$4,053

Auto-Owners Insurance Co

$1,021

$1,084

Nationwide

$1,060

$1,603

State Farm

$1,089

$1,176

Nationwide

$1,091

$2,053

GEICO

$1,105

$967

GEICO

$1,112

$1,416

GEICO

$1,156

$4,001

Nationwide

$1,157

$2,420

Farmers

$1,177

$1,583

Allstate

$1,190

$3,342

Nationwide

$1,199

$2,801

State Farm

$1,214

$1,310

Nationwide

$1,217

$2,289

State Farm

$1,218

$1,315

Auto-Owners Insurance Co

$1,222

$1,345

GEICO

$1,226

$1,074

GEICO

$1,235

$1,543

GEICO

$1,239

$1,011

Allstate

$1,242

$1,557

Auto-Owners Insurance Co

$1,246

$1,840

Nationwide

$1,250

$2,922

GEICO

$1,251

$4,968

Farmers

$1,261

$1,742

Auto-Owners Insurance Co

$1,274

$1,352

Progressive

$1,283

$1,251

GEICO

$1,295

$1,134

Allstate

$1,323

$1,276

State Farm

$1,326

$1,432

Auto-Owners Insurance Co

$1,332

$1,466

Nationwide

$1,332

$3,112

Nationwide

$1,343

$3,428

Nationwide

$1,352

$2,828

Auto-Owners Insurance Co

$1,366

$1,450

Allstate

$1,369

$1,722

Allstate

$1,376

$1,282

State Farm

$1,377

$1,487

Progressive

$1,380

$1,334

Allstate

$1,389

$1,339

GEICO

$1,392

$1,135

Nationwide

$1,398

$3,567

Allstate

$1,405

$1,309

Allstate

$1,407

$1,764

State Farm

$1,409

$1,737

Allstate

$1,436

$1,385

Auto-Owners Insurance Co

$1,439

$1,682

Auto-Owners Insurance Co

$1,450

$2,142

GEICO

$1,452

$1,185

Auto-Owners Insurance Co

$1,468

$1,558

Progressive

$1,479

$2,030

State Farm

$1,480

$1,597

Auto-Owners Insurance Co

$1,489

$1,639

Nationwide

$1,491

$3,804

Allstate

$1,525

$3,990

State Farm

$1,525

$1,646

Progressive

$1,534

$1,495

Allstate

$1,554

$1,499

Allstate

$1,555

$1,449

Progressive

$1,556

$1,504

Progressive

$1,557

$2,158

GEICO

$1,566

$1,278

Auto-Owners Insurance Co

$1,573

$1,838

GEICO

$1,593

$1,395

Allstate

$1,619

$4,547

State Farm

$1,620

$1,997

Allstate

$1,655

$2,081

GEICO

$1,664

$2,120

Auto-Owners Insurance Co

$1,671

$2,468

Allstate

$1,675

$1,562

Progressive

$1,687

$1,631

Progressive

$1,690

$5,939

State Farm

$1,690

$2,077

Progressive

$1,693

$1,650

GEICO

$1,721

$2,151

State Farm

$1,729

$1,867

Auto-Owners Insurance Co

$1,740

$2,034

Allstate

$1,742

$2,184

Progressive

$1,785

$2,451

State Farm

$1,836

$2,264

State Farm

$1,866

$2,599

GEICO

$1,871

$2,384

Progressive

$1,878

$6,590

Allstate

$1,888

$2,375

Progressive

$1,934

$1,885

GEICO

$1,934

$2,417

Allstate

$1,935

$5,063

Progressive

$1,949

$1,884

Progressive

$1,958

$2,689

Auto-Owners Insurance Co

$1,983

$2,286

State Farm

$1,988

$2,443

Farmers

$1,996

$5,881

Progressive

$1,998

$2,770

Auto-Owners Insurance Co

$2,006

$2,869

Progressive

$2,027

$7,126

Farmers

$2,029

$1,389

Farmers

$2,070

$1,417

Farmers

$2,075

$1,420

Farmers

$2,077

$1,489

Farmers

$2,087

$2,806

Farmers

$2,092

$6,341

Farmers

$2,105

$1,509

State Farm

$2,137

$2,977

Farmers

$2,139

$1,534

Farmers

$2,184

$3,018

Allstate

$2,184

$6,134

Progressive

$2,184

$3,028

Farmers

$2,201

$1,506

Auto-Owners Insurance Co

$2,204

$2,541

Progressive

$2,217

$7,779

GEICO

$2,224

$7,698

Auto-Owners Insurance Co

$2,254

$3,224

State Farm

$2,286

$2,809

Farmers

$2,296

$3,086

Allstate

$2,299

$6,017

Farmers

$2,319

$1,662

Farmers

$2,329

$6,865

State Farm

$2,340

$3,226

Farmers

$2,386

$3,297

Auto-Owners Insurance Co

$2,386

$2,751

GEICO

$2,419

$9,610

State Farm

$2,440

$3,400

Farmers

$2,461

$7,457

Auto-Owners Insurance Co

$2,501

$3,578

Progressive

$2,541

$8,931

GEICO

$2,552

$8,833

State Farm

$2,686

$3,703

Progressive

$2,766

$9,707

Farmers

$2,891

$8,520

State Farm

$3,067

$4,227

Farmers

$3,073

$9,311

Kemper

$4,232

$2,053

Kemper

$4,239

$2,261

Kemper

$4,254

$2,956

Kemper

$4,761

$3,556

Kemper

$4,997

$5,748

Kemper

$5,013

$2,432

Kemper

$5,087

$3,535

Kemper

$5,207

$2,778

Kemper

$5,212

$2,529

Kemper

$5,487

$2,662

Kemper

$5,528

$2,949

Kemper

$5,687

$4,247

Kemper

$5,718

$6,930

Kemper

$5,933

$6,825

Kemper

$5,995

$3,199

Kemper

$6,815

$8,259

Kemper

$6,908

$4,800

Kemper

$7,715

$5,762

Kemper

$10,326

$11,878

Kemper

$11,910

$14,433

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families with young drivers may be able to save on their car insurance premiums by taking advantage of discounts certain insurers offer.

For example, Nationwide and Allstate offer various discounts for young drivers, such as good student discounts, distant student discounts and drivers education discounts. These discounts can help families save on their car insurance premiums.

Cheapest Car Insurance in Utah for Young Adults (September 2023)

The following insurers offer the cheapest car insurance premiums for drivers in their 20s:

  • Nationwide: $896 per year
  • Auto-Owners: $1,078 per year

At an average of $2,563, State Farm is the most expensive insurer for young drivers in Utah.

Research shows that drivers in their 20s pay up to $171 more for car insurance than middle-aged drivers. This difference in cost is due to the increased risk associated with younger drivers, as they are more likely to be involved in accidents than more experienced drivers.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$377

$31

Farmers Union Insurance

$396

$33

Nationwide

$415

$35

Nationwide

$433

$36

Auto-Owners Insurance Co

$434

$36

Auto-Owners Insurance Co

$457

$38

Progressive

$483

$40

GEICO

$502

$42

Progressive

$510

$42

Iowa Farm Bureau

$545

$45

Nationwide

$550

$46

Progressive

$552

$46

Iowa Farm Bureau

$565

$47

GEICO

$580

$48

American Family

$585

$49

American Family

$588

$49

Iowa Farm Bureau

$589

$49

GEICO

$594

$49

Auto-Owners Insurance Co

$595

$50

Farmers Union Insurance

$627

$52

Farmers

$642

$54

Nationwide

$670

$56

Farmers

$695

$58

American Family

$717

$60

Nationwide

$725

$60

Auto-Owners Insurance Co

$774

$65

Allstate

$775

$65

Auto-Owners Insurance Co

$777

$65

Farmers

$800

$67

Farmers Union Insurance

$838

$70

Kemper

$840

$70

Allstate

$842

$70

Kemper

$843

$70

Farmers Union Insurance

$860

$72

American Family

$884

$74

American Family

$891

$74

Nationwide

$896

$75

Allstate

$928

$77

GEICO

$929

$77

Progressive

$954

$79

Kemper

$963

$80

State Farm

$965

$80

Progressive

$983

$82

Iowa Farm Bureau

$1,003

$84

GEICO

$1,019

$85

State Farm

$1,029

$86

Iowa Farm Bureau

$1,041

$87

Auto-Owners Insurance Co

$1,078

$90

Iowa Farm Bureau

$1,106

$92

GEICO

$1,110

$92

American Family

$1,114

$93

Farmers

$1,191

$99

Farmers

$1,195

$100

Progressive

$1,202

$100

Allstate

$1,210

$101

State Farm

$1,247

$104

Allstate

$1,338

$111

Farmers Union Insurance

$1,345

$112

Allstate

$1,405

$117

Farmers

$1,477

$123

Kemper

$1,708

$142

Kemper

$1,727

$144

State Farm

$1,863

$155

State Farm

$2,016

$168

Kemper

$2,021

$168

State Farm

$2,563

$214

Cheapest Car Insurance in Utah for Seniors (September 2023)

Our analysis shows that the following companies offer the cheapest auto insurance for Utah seniors:

  • Nationwide: $670 per year
  • Auto-Owners: $777 per year

State Farm offers the most expensive premium at $1,863 for seniors in Utah. Senior drivers typically pay slightly less for car insurance than middle-aged drivers, but the exact difference depends on the company.

Those in their 60s pay about $55 less than drivers in their 40s. However, rates are typically higher for drivers in their 70s or older. This is because insurance companies consider senior drivers more at risk for an accident due to age-related factors, such as slower reflexes and poorer vision.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$377

$31

Farmers Union Insurance

$396

$33

Nationwide

$415

$35

Nationwide

$433

$36

Auto-Owners Insurance Co

$434

$36

Auto-Owners Insurance Co

$457

$38

Progressive

$483

$40

GEICO

$502

$42

Progressive

$510

$42

Iowa Farm Bureau

$545

$45

Nationwide

$550

$46

Progressive

$552

$46

Iowa Farm Bureau

$565

$47

GEICO

$580

$48

American Family

$585

$49

American Family

$588

$49

Iowa Farm Bureau

$589

$49

GEICO

$594

$49

Auto-Owners Insurance Co

$595

$50

Farmers Union Insurance

$627

$52

Farmers

$642

$54

Nationwide

$670

$56

Farmers

$695

$58

American Family

$717

$60

Nationwide

$725

$60

Auto-Owners Insurance Co

$774

$65

Allstate

$775

$65

Auto-Owners Insurance Co

$777

$65

Farmers

$800

$67

Farmers Union Insurance

$838

$70

Kemper

$840

$70

Allstate

$842

$70

Kemper

$843

$70

Farmers Union Insurance

$860

$72

American Family

$884

$74

American Family

$891

$74

Nationwide

$896

$75

Allstate

$928

$77

GEICO

$929

$77

Progressive

$954

$79

Kemper

$963

$80

State Farm

$965

$80

Progressive

$983

$82

Iowa Farm Bureau

$1,003

$84

GEICO

$1,019

$85

State Farm

$1,029

$86

Iowa Farm Bureau

$1,041

$87

Auto-Owners Insurance Co

$1,078

$90

Iowa Farm Bureau

$1,106

$92

GEICO

$1,110

$92

American Family

$1,114

$93

Farmers

$1,191

$99

Farmers

$1,195

$100

Progressive

$1,202

$100

Allstate

$1,210

$101

State Farm

$1,247

$104

Allstate

$1,338

$111

Farmers Union Insurance

$1,345

$112

Allstate

$1,405

$117

Farmers

$1,477

$123

Kemper

$1,708

$142

Kemper

$1,727

$144

State Farm

$1,863

$155

State Farm

$2,016

$168

Kemper

$2,021

$168

State Farm

$2,563

$214

Many insurers offer senior discounts, including Allstate, Farmers and GEICO. Check with your insurer to see if it offers discounts for seniors. Additionally, some insurers offer discounts for completing a driver safety course or having a good driving record.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

Drivers in Utah with tickets may find the cheapest car insurance from Nationwide, while those with at-fault accidents or DUIs may get affordable policies from American Family. However, they should be aware their auto insurance premiums may be higher than those of drivers with clean records.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Nationwide ($852 per year)
Cheapest after an accident: American Family ($891 per year)
Cheapest after a DUI: American Family ($1,086 per year)
Cheapest for poor credit: Nationwide ($975 per year)
Cheapest for sports cars: Auto-Owners ($784 per year)

Cheapest Car Insurance in Utah After a Ticket

The most affordable car insurance providers in Utah for drivers with a speeding ticket are:

  • Nationwide: $852 per year
  • Auto-Owners: $1,021 per year

State Farm is the most expensive car insurance provider in Utah after a ticket, with an annual rate of up to $2,225. Those with a ticket on their driving record face a substantial financial penalty when it comes to car insurance — they pay $260 more for the cheapest company's coverage than those with a clean record.

Company
Annual Premium
Monthly Premium

Nationwide

$496

$41

Farmers Union Insurance

$508

$42

Nationwide

$515

$43

Auto-Owners Insurance Co

$584

$49

Progressive

$588

$49

Auto-Owners Insurance Co

$616

$51

Nationwide

$631

$53

Farmers Union Insurance

$637

$53

GEICO

$638

$53

Progressive

$648

$54

Progressive

$656

$55

Iowa Farm Bureau

$662

$55

Iowa Farm Bureau

$682

$57

American Family

$710

$59

American Family

$715

$60

Iowa Farm Bureau

$716

$60

GEICO

$716

$60

Farmers Union Insurance

$761

$63

GEICO

$781

$65

Nationwide

$797

$66

Auto-Owners Insurance Co

$803

$67

Farmers

$815

$68

Nationwide

$852

$71

American Family

$875

$73

Allstate

$915

$76

Farmers

$919

$77

Allstate

$919

$77

Farmers

$953

$79

Allstate

$1,017

$85

Auto-Owners Insurance Co

$1,021

$85

Nationwide

$1,023

$85

Kemper

$1,023

$85

Kemper

$1,028

$86

Auto-Owners Insurance Co

$1,029

$86

State Farm

$1,072

$89

American Family

$1,080

$90

American Family

$1,086

$90

State Farm

$1,144

$95

Farmers Union Insurance

$1,167

$97

Kemper

$1,176

$98

GEICO

$1,218

$101

Iowa Farm Bureau

$1,219

$102

Iowa Farm Bureau

$1,259

$105

Progressive

$1,272

$106

Progressive

$1,304

$109

Farmers Union Insurance

$1,322

$110

Iowa Farm Bureau

$1,345

$112

American Family

$1,363

$114

State Farm

$1,385

$115

GEICO

$1,393

$116

Allstate

$1,416

$118

Auto-Owners Insurance Co

$1,427

$119

GEICO

$1,469

$122

Allstate

$1,484

$124

Progressive

$1,501

$125

Allstate

$1,564

$130

Farmers

$1,571

$131

Farmers

$1,618

$135

Farmers Union Insurance

$1,704

$142

Farmers

$1,821

$152

State Farm

$2,059

$172

Kemper

$2,091

$174

Kemper

$2,115

$176

State Farm

$2,225

$185

Kemper

$2,478

$207

State Farm

$2,832

$236

Cheapest Car Insurance in Utah After an Accident

The following insurers offer the most affordable auto insurance in Utah for drivers with an at-fault accident:

  • American Family: $891 per year
  • Nationwide: $1,238 per year

Kemper is the costliest insurer for those who have been involved in an at-fault accident, with a premium of $2,494. Utah drivers with an at-fault accident pay an extra $537 compared with those with a clean driving record, even when opting for the lowest-cost insurer.

Company
Annual Premium
Monthly Premium

American Family

$585

$49

American Family

$588

$49

Farmers Union Insurance

$633

$53

American Family

$717

$60

Auto-Owners Insurance Co

$725

$60

Progressive

$726

$61

Nationwide

$735

$61

Farmers Union Insurance

$737

$61

Nationwide

$761

$63

Auto-Owners Insurance Co

$763

$64

Progressive

$801

$67

Progressive

$812

$68

Iowa Farm Bureau

$836

$70

Iowa Farm Bureau

$862

$72

Farmers Union Insurance

$877

$73

American Family

$884

$74

GEICO

$885

$74

American Family

$891

$74

Iowa Farm Bureau

$903

$75

Nationwide

$929

$77

Auto-Owners Insurance Co

$995

$83

GEICO

$1,002

$83

Farmers

$1,057

$88

Allstate

$1,081

$90

Allstate

$1,086

$90

American Family

$1,114

$93

GEICO

$1,124

$94

Nationwide

$1,160

$97

Kemper

$1,160

$97

Kemper

$1,161

$97

Farmers

$1,178

$98

State Farm

$1,180

$98

Farmers

$1,210

$101

Allstate

$1,213

$101

Nationwide

$1,238

$103

State Farm

$1,258

$105

Auto-Owners Insurance Co

$1,268

$106

Auto-Owners Insurance Co

$1,276

$106

Kemper

$1,328

$111

Farmers Union Insurance

$1,407

$117

Nationwide

$1,485

$124

State Farm

$1,524

$127

Farmers Union Insurance

$1,537

$128

Iowa Farm Bureau

$1,539

$128

Progressive

$1,576

$131

Iowa Farm Bureau

$1,589

$132

Progressive

$1,645

$137

Iowa Farm Bureau

$1,696

$141

Allstate

$1,701

$142

GEICO

$1,721

$143

Auto-Owners Insurance Co

$1,776

$148

Allstate

$1,782

$149

Progressive

$1,829

$152

Allstate

$1,893

$158

Farmers Union Insurance

$1,920

$160

Farmers

$1,930

$161

GEICO

$1,965

$164

Farmers

$2,006

$167

GEICO

$2,128

$177

Farmers

$2,203

$184

State Farm

$2,255

$188

State Farm

$2,434

$203

Kemper

$2,462

$205

Kemper

$2,494

$208

Kemper

$2,928

$244

State Farm

$3,099

$258

Cheapest Car Insurance in Utah After a DUI

Utah residents with a DUI on their driving records will find the most affordable full coverage car insurance from:

  • American Family: $1,086 per year
  • Progressive: $1,122 per year

If you have a DUI on your record, you can expect to pay an average of $2,413 per year for car insurance from Iowa Farm Bureau, the most expensive insurer in the state. This amount is about $689 more than what drivers with a clean record would pay.

Company
Annual Premium
Monthly Premium

Progressive

$534

$44

Progressive

$586

$49

Progressive

$600

$50

American Family

$710

$59

American Family

$715

$60

Farmers Union Insurance

$806

$67

American Family

$875

$73

Kemper

$897

$75

Kemper

$901

$75

Nationwide

$922

$77

Farmers

$936

$78

Nationwide

$947

$79

GEICO

$985

$82

Kemper

$1,030

$86

Farmers Union Insurance

$1,047

$87

Farmers

$1,059

$88

Farmers Union Insurance

$1,060

$88

State Farm

$1,072

$89

Farmers

$1,075

$90

American Family

$1,080

$90

Allstate

$1,082

$90

American Family

$1,086

$90

Allstate

$1,088

$91

Nationwide

$1,115

$93

Progressive

$1,122

$93

State Farm

$1,144

$95

Progressive

$1,148

$96

GEICO

$1,193

$99

Allstate

$1,214

$101

Iowa Farm Bureau

$1,268

$106

Auto-Owners Insurance Co

$1,301

$108

Iowa Farm Bureau

$1,308

$109

Progressive

$1,347

$112

American Family

$1,363

$114

Auto-Owners Insurance Co

$1,369

$114

Iowa Farm Bureau

$1,372

$114

GEICO

$1,384

$115

State Farm

$1,385

$115

Nationwide

$1,449

$121

Nationwide

$1,527

$127

Allstate

$1,716

$143

Farmers

$1,719

$143

Nationwide

$1,774

$148

Auto-Owners Insurance Co

$1,783

$149

Farmers

$1,793

$149

Allstate

$1,803

$150

Farmers Union Insurance

$1,823

$152

Kemper

$1,829

$152

Kemper

$1,851

$154

GEICO

$1,884

$157

Allstate

$1,911

$159

Farmers

$1,972

$164

State Farm

$2,059

$172

Kemper

$2,167

$181

Auto-Owners Insurance Co

$2,184

$182

Farmers Union Insurance

$2,192

$183

Auto-Owners Insurance Co

$2,217

$185

State Farm

$2,225

$185

GEICO

$2,255

$188

Iowa Farm Bureau

$2,337

$195

Farmers Union Insurance

$2,358

$196

Iowa Farm Bureau

$2,413

$201

GEICO

$2,521

$210

Iowa Farm Bureau

$2,577

$215

State Farm

$2,832

$236

Auto-Owners Insurance Co

$3,071

$256

Cheapest Car Insurance in Utah for Drivers With Poor Credit (September 2023)

The lowest-priced car insurance providers in Utah for drivers with bad credit are:

  • Nationwide: $975 per year
  • American Family: $1,533 per year

State Farm charges the most for car insurance if you have a poor credit score: $6,736 per year. Insurers consider credit scores when they are setting policy rates. If your score is below 580, you could pay an extra $1,095 per year for car insurance in Utah compared with someone with a credit score above 750.

Company
Annual Premium
Monthly Premium

Nationwide

$1,215

$101

Progressive

$1,916

$160

American Family

$1,921

$160

GEICO

$2,066

$172

Iowa Farm Bureau

$2,112

$176

Allstate

$2,142

$179

Farmers

$2,328

$194

Farmers Union Insurance

$2,399

$200

Kemper

$2,489

$207

Auto-Owners Insurance Co

$2,845

$237

State Farm

$8,563

$714

Progressive

$809

$67

Nationwide

$849

$71

GEICO

$1,034

$86

Farmers Union Insurance

$1,139

$95

Iowa Farm Bureau

$1,166

$97

Farmers

$1,181

$98

Kemper

$1,209

$101

American Family

$1,239

$103

Allstate

$1,251

$104

Auto-Owners Insurance Co

$1,441

$120

State Farm

$4,166

$347

Nationwide

$975

$81

American Family

$1,533

$128

Farmers Union Insurance

$1,546

$129

Progressive

$1,559

$130

GEICO

$1,820

$152

Farmers

$1,937

$161

Auto-Owners Insurance Co

$2,041

$170

Allstate

$2,042

$170

Iowa Farm Bureau

$2,073

$173

Kemper

$2,126

$177

State Farm

$6,736

$561

Nationwide

$664

$55

Progressive

$715

$60

Farmers Union Insurance

$730

$61

GEICO

$924

$77

Farmers

$980

$82

American Family

$1,010

$84

Auto-Owners Insurance Co

$1,051

$88

Kemper

$1,055

$88

Iowa Farm Bureau

$1,163

$97

Allstate

$1,250

$104

State Farm

$3,438

$287

Nationwide

$895

$75

Farmers Union Insurance

$1,453

$121

Progressive

$1,509

$126

American Family

$1,520

$127

GEICO

$1,888

$157

Farmers

$1,901

$158

Iowa Farm Bureau

$2,008

$167

Auto-Owners Insurance Co

$2,024

$169

Kemper

$2,224

$185

Allstate

$2,265

$189

State Farm

$6,227

$519

Nationwide

$634

$53

Farmers Union Insurance

$675

$56

Progressive

$756

$63

GEICO

$1,008

$84

American Family

$1,013

$84

Farmers

$1,037

$86

Kemper

$1,089

$91

Auto-Owners Insurance Co

$1,107

$92

Iowa Farm Bureau

$1,129

$94

Allstate

$1,408

$117

State Farm

$3,223

$269

Auto insurance is more expensive for drivers with poor credit because insurance companies consider them high risk. They may have difficulty making on-time payments and are more likely to get into an accident and make a claim.

You can reduce your rates by improving your credit score over time or taking advantage of discounts like bundling or car safety discounts. Comparing multiple insurers can also help you save money.

Cheapest Car Insurance in Utah for Sports Cars (September 2023)

The cheapest car insurance providers in Utah for sports car drivers include:

  • Auto-Owners: $784 per year
  • Nationwide: $811 per year

At $2,423, State Farm is the costliest sports car insurer in Utah. In Utah, auto insurance for a sports car is generally more expensive than a policy for a standard vehicle like a Toyota Camry LE. Typically, premiums for sports car drivers are around $131 higher than those for a standard vehicle. This is due to the higher repair and replacement costs associated with sports cars.

Company
Annual Premium
Monthly Premium

Farmers Union Insurance

$377

$31

Farmers Union Insurance

$396

$33

Nationwide

$415

$35

Nationwide

$433

$36

Auto-Owners Insurance Co

$434

$36

Auto-Owners Insurance Co

$457

$38

Progressive

$483

$40

GEICO

$502

$42

Progressive

$510

$42

Iowa Farm Bureau

$545

$45

Nationwide

$550

$46

Progressive

$552

$46

Iowa Farm Bureau

$565

$47

GEICO

$580

$48

American Family

$585

$49

American Family

$588

$49

Iowa Farm Bureau

$589

$49

GEICO

$594

$49

Auto-Owners Insurance Co

$595

$50

Farmers Union Insurance

$627

$52

Farmers

$642

$54

Farmers

$695

$58

American Family

$717

$60

Nationwide

$742

$62

Allstate

$775

$65

Auto-Owners Insurance Co

$784

$65

Auto-Owners Insurance Co

$788

$66

Farmers

$800

$67

Nationwide

$811

$68

American Family

$826

$69

American Family

$831

$69

Kemper

$840

$70

Allstate

$842

$70

Kemper

$843

$70

Allstate

$928

$77

Kemper

$963

$80

State Farm

$965

$80

Nationwide

$1,010

$84

State Farm

$1,029

$86

American Family

$1,036

$86

Progressive

$1,047

$87

GEICO

$1,052

$88

Farmers

$1,060

$88

GEICO

$1,062

$89

Auto-Owners Insurance Co

$1,098

$91

Farmers

$1,118

$93

GEICO

$1,197

$100

Progressive

$1,210

$101

Allstate

$1,231

$103

State Farm

$1,247

$104

Allstate

$1,303

$109

Allstate

$1,335

$111

Farmers

$1,346

$112

Progressive

$1,516

$126

Kemper

$1,760

$147

Kemper

$1,807

$151

Kemper

$2,133

$178

State Farm

$2,238

$186

State Farm

$2,423

$202

State Farm

$3,122

$260

MoneyGeek used a Ford Mustang as its sample sports car, but costs may vary depending on the model. Generally, luxury, electric and sports cars are more expensive to insure than other models, but this may not be the case in your state. Your insurer can provide an accurate estimate of the cost of insuring your car.

Cheapest Car Insurance in Utah for Military Drivers (September 2023)

The cheapest car insurance in Utah for military drivers is Nationwide at an average of $725 yearly.

USAA is also a leading provider of insurance and other financial services tailored to the needs of military personnel and their families. With USAA, military drivers can get competitive rates on car insurance and additional coverage options.

mglogo
MoneyGeek Top Pick
Nationwide
  • $725 per year

Nationwide provides the cheapest auto insurance to military personnel and their families. It also offers bundling, good student, multiple car and safe driving discounts.

Cheapest Car Insurance in Utah by City

The cost of car insurance in Utah can vary widely depending on where you live. For example, in Provo, the cheapest full coverage premium costs $902 from Nationwide, whereas in West Jordan, the cheapest full coverage premium costs $916 from Farmers Union Insurance.

On the other end of the spectrum, the most expensive full coverage premiums are found in West Valley City, where the cheapest policy costs $968 from Nationwide.

City
Cheapest Company
Annual Premium

Provo

Nationwide

$902

Salt Lake City

Nationwide

$961

West Jordan

Farmers Union Insurance

$916

West Valley City

Nationwide

$968

Car Insurance in Utah: What You Need to Know

Utah requires all drivers to carry minimum liability insurance, including bodily injury, property damage and personal injury coverage. However, MoneyGeek recommends having more extensive coverage than the state minimum to protect yourself financially.

Utah Car Insurance Requirements

In Utah, drivers are only required to purchase minimum liability coverage, which includes bodily injury and property damage, to operate a vehicle legally. Although purchasing minimum liability coverage can help save money, it provides less protection in an accident.

SR-22 insurance in Utah is required for drivers convicted of driving-related offenses, such as DUI or reckless driving. SR-22 insurance is liability insurance that must be purchased and maintained for a minimum period, usually three years.

  • male icon

    Bodily Injury Coverage

    In Utah, all drivers must carry at least $25,000 per person and $65,000 per accident for bodily injury liability coverage. This coverage will pay for medical expenses, lost wages and other costs associated with injuries to another driver, passenger or pedestrian in an accident for which you are found at fault.

  • accident2 icon

    Property Damage Coverage

    All Utah drivers must have at least $15,000 in property damage liability coverage. This coverage will pay for repairing or replacing another person’s vehicle or property if you are found at fault in an accident.

  • hospital icon

    Personal Injury Protection

    Utah drivers must have at least $3,000 in personal injury protection coverage. This coverage will pay for your medical expenses, lost wages and other costs associated with injuries that you or your passengers sustain in an accident, regardless of who is at fault.

MoneyGeek recommends that Utah drivers carry higher coverage limits than the state minimum. Specifically, this includes a minimum of $100,000 per person and $300,000 per accident for bodily injury liability coverage and $100,000 per accident for property damage liability coverage.

Drivers who finance their car purchase usually need to purchase comprehensive and collision coverage. Comprehensive coverage pays for damage to your car caused by theft, vandalism, fire, flooding and other non-collision events. Collision coverage pays for damage to your car caused by a collision with another vehicle or object.

We also recommend that those with valuable cars, such as luxury vehicles or classic cars, consider buying full coverage insurance to protect their investment in case of an accident.

Car Insurance Alternatives in Utah

Utah law requires drivers to carry a minimum liability coverage of 25/65/15.

In addition to liability coverage, drivers may purchase other types of insurance coverage, such as collision, comprehensive and uninsured/underinsured motorist coverage. These coverages help protect drivers and their vehicles in an accident.

Drivers looking for alternative coverage can opt for pay-as-you-drive, usage-based, and non-standard auto insurance. Pay-as-you-drive insurance allows drivers to pay for insurance based on the miles they drive, whereas usage-based insurance provides drivers with discounts for safe driving. Non-standard auto insurance provides coverage for drivers with certain high-risk factors, such as a DUI or poor driving record.

FAQs About Car Insurance in Utah

MoneyGeek answers the most commonly asked questions about auto insurance in Utah.

Expert Advice on Finding Cheap Car Insurance in Utah

To help you find credible and accurate insight into car insurance in Utah, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Utah should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Utah take to find affordable car insurance?
Leo Chan, Ph.D.
Leo Chan, Ph.D.

Associate Professor of Finance at Utah Valley University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.